Search found 71 matches

by HRPennypacker
Thu Sep 20, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 65
Views: 9885

Re: TIAA financial advisor?

Not sure if this was already posted, but I didn't see it:

https://www.nytimes.com/2017/10/21/busi ... -tiaa.html
by HRPennypacker
Thu Sep 13, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4571

Re: WSJ print edition renwal time - any discounts?

You can always try switching to the FT...:)
by HRPennypacker
Wed Aug 29, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21951

Re: Decent compensation to move to Bay Area CA?

Folks, Bay Area Working Culture -> Lack of work-life balance. A) Do you travel for business during the non-working day? B) Are you expected to work more than 40 hours per week? C) Are you expected to respond to business email, phone, text after office hour? D) Do you carry a pager? Aka, on-call? Kl...
by HRPennypacker
Thu Aug 23, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 3061

Re: To buy or hold for housing crash in Bay Area CA

I guess I'll stop holding my breath for the big real estate crash that gets me into Atherton...:)
by HRPennypacker
Sun Aug 19, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2704

Re: Unpermitted structure - options?

To add color: I'm in a similar situation as OP, except that in my case it's an unfinished basement that's fully finished. This is unincorporated San Jose, so it's a matter for Santa Clara County. I've been trying to find a good lawyer, but all the usual methods are yielding lawyers that seem less kn...
by HRPennypacker
Sun Aug 19, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2704

Re: Unpermitted structure - options?

In a similar situation, except with an 'unfinished' basement that's actually totally finished. Can anyone recommend a good lawyer in Santa Clara County?
by HRPennypacker
Tue Jul 10, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3481

Re: What’s the median income of Bogleheads?

The more appropriate question may be, "What do you guys think the median BH income is?"

Hard to adjust for COL, etc. Assuming Topeka, KS 2018 dollars: I'd say between 95-110K purchasing power parity.
by HRPennypacker
Fri Jul 06, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5467

Re: How do normal people afford the Bay Area?

Also, while CA and the Bay Area in particular are no doubt unique and amazing places to live, the current property values seem inflated vs. historical norms. Even if I were able to afford the exhorbitant prices, I would be reluctant to buy in at current prices. This is a whole 'nother debate. I cre...
by HRPennypacker
Tue Jul 03, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8844

Re: Any Boglehead powerlifters?

CFM300 wrote:
Tue Jul 03, 2018 10:08 pm
In all seriousness, I can't stand Rippetoe's low-bar squat mechanics.
Really? Switching to low-bar improved things considerably for me. I can do more weight, it feels better, etc.
by HRPennypacker
Mon Jul 02, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8844

Re: Any Boglehead powerlifters?

Not a powerlifter, just someone who likes lifting. Recent 5-rep maxes, all raw/beltless at a height of 5'10" and a bodyweight of under 175 lbs: Squat: 310x5 DL: 380x5 OHP: 130x5 I'm 37. Madcow 5x5 Intermediate is probably my favorite program, and the one that I got the most progress on. I frequent t...
by HRPennypacker
Sun Jul 01, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29320

Re: Learning an instrument as an adult? Six Months Progress

JupiterJones wrote:
Tue Jul 25, 2017 3:54 pm
Listen to great violin playing

Or heck, why not throw some...violists into the mix?
Easy, easy. Let's not get carried away.
by HRPennypacker
Sun Jul 01, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 121
Views: 9687

Re: Can I buy a Tesla?

Don't do it, Dr. OP. Tesla is a dumpster fire, the Model 3 is an overhyped embarrassment--I have multiple remorseful colleagues who can attest--and for half the price you can get a slightly-used something-else. Gosh, that’s surprising. I talk to many Tesla owners, and I have yet to meet ONE remorse...
by HRPennypacker
Sat Jun 30, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 121
Views: 9687

Re: Can I buy a Tesla?

Don't do it, Dr. OP. Tesla is a dumpster fire, the Model 3 is an overhyped embarrassment--I have multiple remorseful colleagues who can attest--and for half the price you can get a slightly-used something-else.
by HRPennypacker
Sun Jun 24, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12832

Re: When did you start flying business class?

I fly J (company paying) for long overseas work trips. I fly J (out of pocket) for any personal travel over ~12 hours where the destination is a developing country that's hard on the body. (e.g.: India, China, etc.) I say go for it, OP. You don't have flexibility and you do have the money--this is w...
by HRPennypacker
Mon May 14, 2018 5:32 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 13786

Re: The front page is ugly

One of the best front pages on the Internet. I love it.
by HRPennypacker
Sun May 06, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25331

Re: most compelling TV character ever

In no particular order: Al Swearengen, Tony Soprano, Omar, Picard.
by HRPennypacker
Tue Apr 24, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 11597

Re: Cashing out of the Bay Area

I'm on the market, looking to buy--made a thread about it and everything--and I can't tell whether this is the peak.

If you want to leave and think you can, I say go for it. Sounds like you're close enough that you don't have to get it perfectly to come out on top...
by HRPennypacker
Mon Apr 09, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9567

Re: Regrets of the frugal and dying?

Usually dying people talk more about relationships than financial matters as far as regrets. I was a hospice volunteer for years. It was almost always about relationships. Of course, you could tell who was frugal and who wasn't. The frugal people had money saved up, and that made things a lot easie...
by HRPennypacker
Sun Apr 08, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

I moved to SV from Seattle, kicking and screaming, and still travel back for work every other week. I can't handle the weather up there anymore.
by HRPennypacker
Sun Apr 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

One more question I forgot to ask, if anyone has an opinion: If you were me, how quickly would you be looking to get into a SFR? Should I be driving hard to get a place, or should I take my sweet time and let this process drag out for months as I get a sense of what's out there? Assume I already kno...
by HRPennypacker
Fri Apr 06, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29320

Re: Learning Violin as an adult...now with progress Audio

Hey, nice work! I finished the Suzuki and studied violin in college. Hearing your recordings has made me all nostalgic...
by HRPennypacker
Fri Apr 06, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Ah, OK. Sorry for misinterpreting. Admittedly I also just wanted to get a dig in at SF. Not sure why, as the City does such a good job of insulting itself. A big part of my reluctance to leave the vicinity is my belief that the only thing scarier than a tech job in the Valley is a tech job outside t...
by HRPennypacker
Thu Apr 05, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

The price-to-rent ratio is definitely nuts, but I intend to stay at least ten years, if not 15 or more. The motivation for the home purchase is twofold: a) to fix the cost of housing over the long term (ie, 15+ years) with a 30-year FRM; and b) to have more control of if/when we move. I'd hate to ha...
by HRPennypacker
Thu Apr 05, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks all for the continued replies. Some additional info: a) Move to SF: Can't move to SF, because the office is in San Jose, near Santa Clara. Also, excrement on sidewalks. b) Keep renting: This is the fallback plan, but my fear here is that home price appreciation will continue unabated, faster ...
by HRPennypacker
Wed Apr 04, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks for the responses, all. $330K includes cash bonus and RSU ($225K base + $40K cash bonus + $65K RSU, per annum). I expect those to rise steadily in the coming years, and possibly sharply if I leave for another employer. I don't really want to leave. I have criminally good work-life balance tha...
by HRPennypacker
Wed Apr 04, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Yeah, the big theme from everyone I've spoken to/heard from on BH has been that it's a gamble, and you just have to dive in. Nobody ever says, for example, "I'd not spend above $1.5M." It's just binary: IN or OUT.
by HRPennypacker
Wed Apr 04, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

II'm afraid that $1M right now will barely get a condo apartment or smaller, older, in bad location townhouse in Sunnyvale or Santa Clara. For a house you are going to have to move much farther out. 1M will just barely get a condo in rougher parts of Santa Clara; Sunnyvale is out. Recent closures s...
by HRPennypacker
Wed Apr 04, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

My reasoning is similar to yours and I value commute time and proximity to potential employers. I already have preapproval for 2.2M, but I should think going that high, even with my income, is out of the question for Bay Area BHers. Right? (And if not: Presuming you were, what'd your ceiling be, Hyp...
by HRPennypacker
Wed Apr 04, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Thanks, Watty. I wrestle with this decision, but it comes down (for me) to the following: a) Silicon Valley is still largely where it's at, especially for my field. ATL is up and coming, but I'm not sure there are enough employers there to make me feel comfortable. As crazy as it sounds, in my mind ...
by HRPennypacker
Wed Apr 04, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

Re: VHCOL Home Buying Advice

Thanks. Job is not merely stable and I expect to be earning considerably more, but I didn't want to jinx it by telling everyone I'm a high performer--isn't everyone in the Bay Area a high performer?

I got 2 preapprovals for $2.2M, but that's far too expensive a house, I should think.
by HRPennypacker
Wed Apr 04, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 6823

Re: 2018 Camry. What's wrong with me?

It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself for failure by driving to the dealership in a 2001 325ci? I don't know. I wanted to lik...
by HRPennypacker
Wed Apr 04, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6012

VHCOL Home Buying Advice (Bay Area, where else?)

Perfunctory VHCOL (SF Bay Area/Peninsula, CA) advice thread. Looking for advice from other VHCOLers who struggle to maintain the balance between saving money and owning a home. I'm 37 years old. Total Household Income: $330K (me) + $80K (DW) = $410K, but we should assume $330-350K for at least a cou...
by HRPennypacker
Fri Mar 16, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 34803

Re: Those with high savings rate: why?

Because I'm anxious and it helps me sleep.
by HRPennypacker
Fri Mar 16, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pick a financial advisor?
Replies: 8
Views: 950

Re: How do you pick a financial advisor?

People on BH generally aren't fans of FAs, but if you want to find one try checking these sites:

https://www.napfa.org
https://www.garrettplanningnetwork.com/

I have used a NAPFA advisor before and I was quite happy with him.
by HRPennypacker
Sun Mar 11, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Very expensive home in HCOL Area
Replies: 42
Views: 6086

Re: Purchasing a Very expensive home in HCOL Area

Here is what you could get for a million dollars in the outer suburbs of Atlanta. https://www.realtor.com/realestateandhomes-detail/2801-Spreading-Oaks-Dr-NW_Acworth_GA_30101_M69143-23622?ex=GA631108602#photo0 I gotta stop clicking on these when people post them. And the place has 7/9/9 schools!
by HRPennypacker
Fri Mar 09, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Is this a housing bubble?
Replies: 71
Views: 9345

Re: Is this a housing bubble?

The price per sq ft record may not stand for long, if this place sells for asking: https://www.redfin.com/CA/Palo-Alto/3519-Emerson-St-94306/home/1732003 Check out the "Beautiful" in-ground pool. Edit: I misread the article- (it's the highest per sq ft in the city of Sunnyvale). Looks like there ar...
by HRPennypacker
Thu Mar 08, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 5341

Re: Consumer Reports Auto Issue Out now

mountain-lion wrote:
Thu Mar 08, 2018 1:42 pm
Modern cars are extremely reliable, and the point of diminishing marginal returns is close.
Wow, are we really at this point? I must be getting old. Serious question.
by HRPennypacker
Mon Mar 05, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Is this a housing bubble?
Replies: 71
Views: 9345

Re: Is this a housing bubble?

all i know is i keep seeing more and more renovations / "for sale" signs every week ... not to mention the chatter of 2 girls in my office talking about buying a house as an investment ... so, if it's not a bubble yet - it sure is trending in that direction. But is this in the Bay area? Nope, I don...
by HRPennypacker
Sat Mar 03, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 41585

Re: What UN-frugal thing do you do?

I live in the Bay Area (South Bay), and will probably become a homeowner soon. It's all very unfrugal.
by HRPennypacker
Thu Mar 01, 2018 1:55 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 5778

Re: Walking shoes for plantar faciatis?

+1 for the SuperFeet endorsement. This worked for me.
by HRPennypacker
Tue Feb 27, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 79
Views: 21011

Re: Audi Q7 Reliability

I'm most surprised by Buick on the JDP Dependability list. For the last couple (more?) years it's been a pretty strong performer for a brand I grew up thinking was an old American Indian word for "engine fire."
by HRPennypacker
Tue Feb 27, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6679

Re: # X Gross = Home price?

WRT the CA/Bay Area graph: This isn't the same as Median Home Purchase Price vs. Median Income, right? I think the data may get skewed a little because people who bought their houses years ago will have benefited from the appreciation of home prices, while their wages haven't--so you see this gap wi...
by HRPennypacker
Mon Feb 19, 2018 2:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 441
Views: 49655

Re: Your USER NAME...what does it mean?

I'm the less successful brother to H.E. Pennypacker, the famous industrialist.

https://www.youtube.com/watch?v=A4u5vJr11Yk
by HRPennypacker
Sun Feb 18, 2018 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 8287

Re: Sell me on the benefits of an emergency fund

Helps me sleep better at night, so I have one. That's probably the main reason.
by HRPennypacker
Sat Feb 10, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7578

Re: Live / work in California - Technology Career

Other point is that not everyone in IT/tech here makes $250K/year. Many, many people in those jobs even at companies like Cisco, Qualcomm, or Google make half that even with a master degree and 10-20 years of experience. You have to be at the top of your field to make the big bucks, and many of tho...
by HRPennypacker
Tue Feb 06, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5703

Re: Leaving HCOL state for financial reasons

PFInterest wrote:
Tue Feb 06, 2018 3:37 pm
since you would have to retake the bar, why not a lower cost of living area in the same state?
Presumably OP needs to be in a big city to work BigLaw, and smaller cities in the state may not have that...?